Cloud Transaction Controller for Isolated POS Authorization Messaging
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Solution Overview
Problem
Configuring POS terminals and business applications to accept and process payment transactions is complex and time-consuming, requiring sophisticated programming knowledge and involves cumbersome certification processes by various payment networks.
Innovation Solution
A transaction management controller remotely manages payment authorization request messaging by receiving transaction amounts and card data from a merchant environment, inserting them into authorization requests, and communicating with payment networks, reducing the need for direct integration with POS devices and simplifying configuration.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If POS terminals and business applications are configured to support various payment networks and devices, then payment processing capability is improved, but configuration complexity and time consumption increase
Solution Approach 1:
The patent introduces a transaction management controller as an intermediary component that mediates between the point of interaction device and the payment network. This controller handles the complexity of communication and data formatting, allowing the POS terminal to support multiple payment networks without requiring complex configuration for each network. The controller acts as a universal adapter that manages the variability internally while presenting a simplified interface to the merchant system.
Solution Approach 2:
The transaction management controller is designed with multi-functional capabilities to handle various payment networks, card readers, and PIN pads through a unified interface. Rather than requiring separate configuration for each payment device or network, the controller provides universal support through standardized protocols and adaptive communication methods, enabling a single POS terminal to process diverse payment types without increasing configuration complexity.
2Reliability
If POS terminals require certification by various payment networks, then payment security and compliance are improved, but certification time and resources increase
Solution Approach 1:
The patent segments the certification process by separating the certification requirements for different components. The transaction management controller is certified as a standalone component that has been validated to work with multiple payment networks. This segmentation allows the controller to be certified once for its multi-network capability, rather than requiring separate certification for each payment network integration, significantly reducing the overall certification time and resource requirements.
3Manufacturing precision
If sophisticated programming knowledge is required for payment processing configuration, then payment processing accuracy is improved, but ease of operation deteriorates
Solution Approach 1:
The transaction management controller incorporates self-service capabilities that automatically configure and optimize payment processing settings based on the detected payment devices and selected networks. The controller includes built-in intelligence that performs automatic parameter adjustment, device detection, and protocol selection without requiring manual programming or deep technical knowledge. This self-configuration maintains payment processing accuracy while dramatically simplifying the operator interface and setup process.
Data Source
AI summary
Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment. The transaction management controller receives a transaction amount for a payment transaction from a business management engine. The payment transaction is based on a purchase transaction initiated by a merchant computing device of the other environment. The transaction management controller also receives payment card data from the point of interaction device, which is communicatively isolated from the merchant computing device and the business management engine. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed.